Are you seeking an insurance policy on your home? If so, you may be required to have a four point inspection performed.
Insurance companies frequently require this type of inspection to be carried out by a certified inspector so that the insurer can get a complete picture of the property’s condition and status. This report effectively tells the insurer about the risks that may be associated with covering the property.
Is your insurance company asking you to have one of these inspections performed? If so, then go with the professionals that you know you can trust at Pro-Spect. Our licensed inspectors are available at your convenience to perform a full menu of home inspection services.
When our inspectors perform four point inspections, they are examining four of your home’s most critical components. These are the:
Let’s take a closer look at each of these components.
During this inspection, your roof will be checked for its age and the type of material out of which it is made. The inspector also determines whether or not any damage is present and the overall condition of the roof. It is not unusual for your inspector to examine individual shingles to see if they are missing, worn out or warped. Another warning sign that will be looked for is any water pooling or potential leaks.
When it comes to your home’s plumbing, the inspector will determine the material out of which the pipes are made and check to see if there are any leaks. Pipes may leak in out-of-the-way spots for months or years before the damage they cause becomes apparent, making this a critical part of the inspection. The inspection of the plumbing system can take considerable time because much of the plumbing may be hidden behind walls. It may be necessary to inspect the hot water heater to determine its age and condition as well.
The HVAC system receives a thorough review, with the inspector determining the age and location of the main unit of the system. The inspector checks to see if the HVAC system is leaking as well as looking for additional common problems.
The inspector also looks at the property’s electrical wiring and the fuse box to determine how old they are and their condition. Through the inspection, it is possible to find out if the electrical panel is dangerous, if inferior aluminum wiring is present and how well the entire system has held up over the years. Any wiring that is not up to par will need to be replaced.
Each home is unique in terms of location, size and architecture style, and that can make it difficult for insurance companies to fairly judge the condition of each one. That is one of the reasons why many of them require this type of inspection. Basically, the inspection is a universal language that is spoken and understood by all insurance companies as well as Realtors and inspectors.
Each home that is given this inspection receives either a passing or failing grade. A home that fails needs to have some upgrades before it can be insured.
One of the reasons why this particular inspection is relied upon is that it is minimally invasive. This means that it mainly sticks to the most visible portions of these four components of your home. Accordingly, it is less disruptive to you and your schedule.
Insurance companies frequently insist on these inspections when a home is older or is located in an area that is at-risk for flooding. Accordingly, this is a common requirement in Florida.
You need a certified and licensed inspector who can give you all the details you need to know about your home’s condition. Call Pro-Spect today to schedule a convenient inspection for your property.